Can I retire at age 52 with 6,100,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $6,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$503,732$499,245$494,868$490,595$486,423$470,100
2 years$249,372$244,728$240,227$235,863$231,630$215,346
3 years$164,597$159,933$155,443$151,120$146,955$131,221
4 years$122,217$117,567$113,123$108,873$104,810$89,746
5 years$96,796$92,174$87,788$83,625$79,675$65,322
6 years$79,855$75,267$70,946$66,876$63,044$49,413
7 years$67,758$63,209$58,956$54,982$51,272$38,361
8 years$58,690$54,182$49,999$46,123$42,535$30,334
9 years$51,640$47,175$43,064$39,287$35,820$24,316
10 years$46,004$41,583$37,545$33,866$30,521$19,693
11 years$41,396$37,019$33,054$29,473$26,249$16,077
12 years$37,558$33,226$29,334$25,852$22,747$13,209
13 years$34,313$30,026$26,208$22,823$19,836$10,906
14 years$31,535$27,293$23,548$20,260$17,388$9,042
15 years$29,129$24,933$21,261$18,068$15,310$7,521
16 years$27,025$22,875$19,276$16,178$13,531$6,273
17 years$25,171$21,067$17,540$14,536$11,997$5,243
18 years$23,525$19,467$16,012$13,100$10,667$4,391
19 years$22,054$18,042$14,658$11,837$9,508$3,682
20 years$20,732$16,766$13,453$10,721$8,493$3,092
21 years$19,537$15,616$12,374$9,730$7,600$2,600
22 years$18,452$14,577$11,405$8,846$6,812$2,187
23 years$17,463$13,634$10,530$8,057$6,115$1,842
24 years$16,558$12,774$9,739$7,348$5,496$1,552
25 years$15,727$11,988$9,020$6,711$4,946$1,308
26 years$14,960$11,267$8,365$6,136$4,455$1,103
27 years$14,252$10,603$7,768$5,616$4,017$931
28 years$13,596$9,991$7,221$5,146$3,624$785
29 years$12,985$9,426$6,720$4,719$3,273$663
30 years$12,417$8,902$6,260$4,331$2,957$560
31 years$11,886$8,415$5,836$3,977$2,673$473
32 years$11,390$7,962$5,445$3,655$2,418$399
33 years$10,924$7,540$5,084$3,361$2,189$337
34 years$10,487$7,147$4,750$3,093$1,982$285
35 years$10,076$6,778$4,441$2,847$1,795$241
36 years$9,688$6,434$4,154$2,622$1,626$203
37 years$9,322$6,111$3,888$2,416$1,474$172
38 years$8,977$5,807$3,641$2,227$1,336$145
39 years$8,650$5,522$3,412$2,053$1,212$123
40 years$8,340$5,254$3,198$1,894$1,099$104
41 years$8,046$5,001$2,998$1,747$997$88
42 years$7,766$4,763$2,813$1,613$905$74
43 years$7,501$4,538$2,639$1,489$821$63
44 years$7,248$4,326$2,477$1,374$745$53
45 years$7,007$4,125$2,326$1,269$677$45
46 years$6,777$3,935$2,185$1,172$614$38
47 years$6,558$3,755$2,053$1,083$558$32
48 years$6,348$3,585$1,929$1,001$507$27
49 years$6,148$3,423$1,813$925$460$23
50 years$5,956$3,270$1,704$855$418$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $6,100,000, adding $6,770 every year, while hoping to spend $46,317 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 61/10/29 Blend
51$6,100,000$6,100,000$6,100,000$6,100,000
52$6,729,183$6,405,883$6,311,333$7,086,533
53$7,366,279$6,670,491$6,473,482$7,595,481
54$8,066,806$6,946,511$6,639,510$8,145,224
55$8,837,186$7,234,456$6,809,499$8,744,365
56$9,684,493$7,534,858$6,983,531$9,397,741
57$10,616,521$7,848,276$7,161,690$10,110,674
58$11,641,859$8,175,294$7,344,059$10,889,025
59$12,769,968$8,516,524$7,530,725$11,739,244
60$14,011,275$8,872,603$7,721,774$12,668,432
61$15,377,267$9,244,202$7,917,295$13,684,408
62$16,880,600$9,632,020$8,117,377$14,795,781
63$18,535,221$10,036,789$8,322,108$16,012,029
64$20,356,496$10,459,274$8,531,582$17,343,591
65$22,361,358$10,900,278$8,745,889$18,801,959
66$24,568,464$11,360,639$8,965,124$20,399,792
67$26,998,371$11,841,234$9,189,379$22,151,030
68$29,673,732$12,342,982$9,418,751$24,071,025
69$32,619,509$12,866,844$9,653,335$26,176,687
70$35,863,204$13,413,825$9,893,227$28,486,637
71$39,435,127$13,984,979$10,138,526$31,021,391
72$43,368,673$14,581,405$10,389,330$33,803,542
73$47,700,642$15,204,259$10,645,737$36,857,980
74$52,471,585$15,854,746$10,907,847$40,212,120
75$57,726,188$16,534,129$11,175,761$43,896,162
76$63,513,688$17,243,730$11,449,578$47,943,376
77$69,888,346$17,984,935$11,729,400$52,390,411
78$76,909,951$18,759,190$12,015,329$57,277,642
79$84,644,389$19,568,013$12,307,465$62,649,548
80$93,164,262$20,412,992$12,605,911$68,555,132
81$102,549,577$21,295,788$12,910,769$75,048,379
82$112,888,494$22,218,142$13,222,140$82,188,768
83$124,278,165$23,181,875$13,540,126$90,041,826
84$136,825,646$24,188,895$13,864,828$98,679,751
85$150,648,910$25,241,199$14,196,348$108,182,086
86$165,877,959$26,340,878$14,534,786$118,636,470
87$182,656,051$27,490,122$14,880,242$130,139,465
88$201,141,052$28,691,222$15,232,814$142,797,462
89$221,506,927$29,946,580$15,592,601$156,727,684
90$243,945,381$31,258,709$15,959,700$172,059,293
91$268,667,666$32,630,242$16,334,207$188,934,602
92$295,906,580$34,063,936$16,716,215$207,510,420
93$325,918,659$35,562,677$17,105,816$227,959,528
94$358,986,604$37,129,489$17,503,102$250,472,305
95$395,421,942$38,767,539$17,908,161$275,258,527
96$435,567,974$40,480,142$18,321,078$302,549,341
97$479,803,010$42,270,772$18,741,937$332,599,444
98$528,543,944$44,143,067$19,170,819$365,689,488
99$582,250,186$46,100,837$19,607,801$402,128,719
100$641,427,999$48,148,072$20,052,956$442,257,900